Commercial
The California FAIR Plan offers commercial insurance coverage for a variety of businesses that are unable to purchase coverage with a traditional insurance company.
Commercial Property Types Covered
If you are unable to purchase coverage with a traditional insurance company, the FAIR Plan offers a temporary solution for:
Habitational Buildings
Buildings with 5 or more habitational units such as apartment buildings, hotels
or motels.
Retail Mercantiles
Shops such as boutiques, salons, dry cleaners and convenience stores.
Manufacturing
Companies that manufacture most types of products.
Office Buildings
Offices for professionals such as doctors, lawyers and consultants.
Buildings Under Construction
Residential and commercial buildings under construction from the ground up.
Farms and Wineries
Basic property insurance for commercial farms, wineries, and ranches, not including coverage for crops and livestock.
What is Covered?
The FAIR Plan Commercial Fire Policy is a named peril policy, which provides coverage only for damage caused by the specific causes of loss listed in the policy.
Fire
Lightning
Internal Explosion
Discounts
The FAIR Plan offers discounts for policyholders who take action to make their property, surrounding space, and communities more resilient to wildfire. Learn more here.
Getting Started
To discuss your insurance needs, please contact a licensed broker. Brokers may be able to offer you additional insurance options that provide more comprehensive coverage than the FAIR Plan. Additionally, you may wish to contact more than one broker to see whether they can offer you coverage through other insurers. Not all brokers are registered to work with the FAIR Plan.
Find a Broker